Ethena Pay Card vs Lava Card
Ethena Pay CardLower cost at your spend, more cashback, cash-out to a bank.
Lava CardCheaper abroad.
Side by side
Money
SourceEthena Pay pricing (updated 30.09.2026) · checked November 10SourceLava Card terms, International · checked November 10- A year at $500/mo
- Earn/yr★
- Earn/yr
- Cashback a year
- +$240★
- +$180
- Cashback rate
- 4–5% in AVAX
- 1–5% in BTC
- Paying in another currency
- Visa's rate, typically ~1%
- 0% FX fee, no spread★
- Cash withdrawal
- $1 + 0.65%
- 2%, min $1
Getting it
SourceEthena Pay terms of use (26.10.2026) · checked November 10SourceLava Card terms, International · checked November 10- For residents of
- Not published
- 232 countries
- ID from another country
- Not for citizens of 1 countries, wherever they live
- Not published
- ID accepted
- Email sign-up, then ID check (Sumsub). Card not for US persons
- Not published: Lava may ask for 'additional documents that are acceptable to us'; approval needed
- Sign-up
- Waitlist, then email + ID check
- Lava account + ID check
- Cash out to a bank
- Yes★
- No
Using it
SourceEthena Pay terms of use (26.10.2026) · checked November 10SourceLava FAQ, where the card is available · checked November 10- Pays in
- Anywhere Visa works; not in Russia, Iran, North Korea, Cuba, Syria, Venezuela and 22 more
- Anywhere Visa works (150M+ merchants, 150+ countries); some merchant categories earn no rewards
- Spending per day
- Not published
- Not published
- Apple / Google Pay
- No
- Your money
- You hold it
- Company holds it
- App Store rating
- Not found
- 4.6 / 5
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Ethena Pay Card, Lava Card.
